Fozzie,if I might interject.....don't hold grudges-hold your head up,mate! What you've got,you've earned,it's on solid foundations,you have a future. What your former buddy has is a paper house,built on bullsh1t. The older I get,the more I see the truth of 'what goes around,comes around'. I'm just a glorified dustman. I drive the roadtrains that swap those huge skips at recycling/amenity sites. I've done it for yonks. Since leaving the military,it's what I chose to do-I had my reasons. Everyone I was at uni with thought I was a complete idiot to 'waste my education'. But,I've never been out of work-rubbish/refuse/recycling just keeps on coming. All but ONE of my uni mates are on the rock-n-role,as their various companies have gone down the pan,shrunk,'downsized' etc etc. All of them laughed at me when they discovered what I chose to do. I will admit to some days being REALLY taxing-but,I own my home,car,bike,guitars...humble though they be. OWN,not 'am making payments on'. NONE of my uni mates can say the same. Plus,I have never ever owned [or wanted] a credit card. If I can't pay for it-I don't want it. That's just my personal ethos,but it works for me. So you hang in there,let the solid foundations you built hold you in place-and watch the circle turn.